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    • Mr Lee helped to grow his father's small trading business into a global industrial powerhouse. View the full article
    • So here's a thought:   The average age of someone dying of Covid-19 is 82.4.   The average life expectancy is less, at 81.4.   The rest of the population is making huge sacrifices to save people who, on average, would have been dead anyway.   I wonder what the total of life-years saved by all the restrictions we've had on us since the pandemic started is? Probably not many.
    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Freight industry body warns the lack of an agreement on tariffs could make things more expensive. View the full article
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Last week, a car crashed off the road, demolished my dwarf wall, went through the garden and crashed into my car which was on the drive. The driver, who was drunk and driving her husbands car, ran off but subsequently gave herself up to police and has been charged.

 

My car, an old Punto is likely to be written off but I have not finished paying for it until July.

 

I know that I can claim for the wall and for established plants but it doesnt seem fair that I will only get about £500 for the car but I still owe £556 on it !

 

Any suggestions gratefully received - I do have Legal Assistance from my Union membership but dont really know what to ask.

 

Many thanks

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If your car is totaled, then you ask for the price of as near direct replacement as possible. IE:- The sellers asking price less a few pounds for a no trade in discount. The insurance co. will likely offer you some rubbish figure that one of these trade books publish, but IMO don't accept this initally. Have a look around to see what a similar car is priced at in a garage, and this will give you some idea what to ask for.

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Just explain exactly what you have said here Daisy to the Union appointed solicitors and let them take it on. It won't affect your subs unlike the legal protection offered on car and household policies. They are on huge retainers by the Union and thus have to deliver in terms of customer service and expertise. They will advise you as to the best way to handle it and if you have a genuine case will take it all the way.

 

Frankly, being a member of a Union for what it costs each month is probably the best value for money insurance policy you can get as the people they employ aren't intimidated, know their stuff and generally deliver the dogs dooh dahs!!

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Just explain exactly what you have said here Daisy to the Union appointed solicitors and let them take it on. It won't affect your subs unlike the legal protection offered on car and household policies. They are on huge retainers by the Union and thus have to deliver in terms of customer service and expertise. They will advise you as to the best way to handle it and if you have a genuine case will take it all the way.

 

Frankly, being a member of a Union for what it costs each month is probably the best value for money insurance policy you can get as the people they employ aren't intimidated, know their stuff and generally deliver the dogs dooh dahs!!

 

you got more faith in unions than I have Helio! And I speak from experience!

 

Obviously the TP's insurers will be the ones paying out on this. But maybe when the driver is bought before the courts, she could be made to pay compensation. Have you had a word with the police about your damages to see if there is an avenue to persue there?

 

 

 

Please Note

 

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

 

I would always urge to seek professional advice for clarification prior to taking any action.

 

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

Edited by sailor sam

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

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As you are not at fault and the claim is to be paid by the third party insurers, you are entitled to be put back into the same position as you were prior to the incident.

 

They are obliged to settle at a price that will enable you to replace the car on a like-for-like basis (ie same model, colour, trim level and approximate age and mileage). They will, however, try to force you much lower; you need to fight them. Get price quotes from advertisements like Autotrader - ignore the price guide books

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As already mentioned, you are entitled to claim the value of a like for like car. Additionally you are also entitled to claim for your out of pocket expenses such as phone calls, cost of any postage and correspondence and any other costs you have incurred.

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